West Virginia Medicare
Some of the carriers we represent in state of West Virginia are CIGNA, Humana, and AARP. For more information on specific plans, you can view Medicare insurance plans by state by entering your zip code above.State Assistance Programs
AmeriHealthRx works with the Federal Government and is accessible for people who live in Pennsylvania and West Virginia. If you select this plan, you well be able to choose from several different benefits:
Option 1: Monthly Premium-$54.30
Option 1 includes a Part D prescription drug benefit. The plan does feature $295 yearly deductible. Additionally, you will have to pay 25% coinsurance after the deductible and before the plan pays $2,700 of your annual prescription drug expenses. Once you hit the out of pocket (TROOP) limit of $4,350, you will pay either 5% coinsurance or $2.40 generic and $6 brand copayment for the rest of the year, whichever amount is larger.
Option 2: Monthly Premium-$58.90
Option 2 offers broader coverage than Option 1 without a deductible.
Until your annual drug expenses meet the $2,700 mark, you are responsible for paying the following copayments for prescription medications: Before the annual drug costs (paid by the member and/or plan) reach $2,700, AmeriHealthRx members will pay the following for prescription drugs (all must be purchased at a retail pharmacy and all are for 30 day supplies):
- $7 copay for generic drugs
- $30 copay for preferred brands
- $70 copay for non-preferred drugs
- 33% for specialty drugs at retail pharmacy
After you reach $2700, you are responsible for covering the complete costs of your prescription drugs at discounted prices throughout the gap. Once your out of pocket expenses hit $4,350, you will pay either 5% coinsurance or $2.40 generic drug and $6 brand drug copayments for the rest of the year.
Benefits, expenses, and other details about Advantage plans vary from year to year, so it's best to check if your policy is still appropriate to what you need. It is possible that there are better health plans out there that offer improved coverage or reduced costs in 2010. You don't have to feel that you need to handle such an important decision on your own. Our Medicare specialists have all the information about 2010 plans and rates and will help you find which one is the most affordable and comprehensible for your needs. Our service is no cost to you.
